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How We Compare

Trupanion vs. Competition

Choosing the right pet insurance provider and policy can be a daunting (and sometimes confusing) task. Take a look below to see how our policies compare to our competitors.
  Trupanion

VPI
If a pet becomes sick or is injured what IS covered? All diagnostic tests, surgeries, and medications (including hereditary and congenital disorders). Conditions that are within a primary diagnostic code listed on VPI’s “Benefit Schedule”.
If a pet becomes sick or is injured what is NOT covered?
  1. Pre-existing conditions
  2. Hip dysplasia – optional coverage
  1. Pre-existing conditions
  2. Any congenital disorder
  3. Any hereditary disorder
  4. Six Musculoskeletal disorders including:
    • Hip dysplasia
    • Elbow dysplasia
    • Osteochondritis dissecans
    • Aseptic necrosis
    • Cervical vertebral instability
  5. Two urinary tract disorders
  6. Eleven ocular disorders
  7. Two endocrine disorders
  8. ACL damage in the 1st 12 months.
  9. Collapsed trachea
  10. Histiocytosis
Limits Currently $20,000, with no limits per year, claim, illness, procedure, or condition. Each condition is eligible for payment under only one primary diagnostic code found in the “Benefit Schedule” and any applicable secondary diagnostic code, per incident. Repeat claims are subject to annual limits per primary diagnostic code.

Example 1 Benefit Schedule Superior Plan: Congestive heart Failure (code 1107)

  • Diagnostic Testing Allowance $315
  • Allowance for treatment, surgery, exam, injections and hospitalization is $294

Example 2 Benefit Schedule Superior Plan: Foreign Body-Surgical (code 1205)

  • Diagnostic Testing Allowance $236
  • Allowance for treatment, surgery, exam, injections and hospitalization is $1200
  • Allowance for anesthesia $125

Specialized diagnostic tests have individual limits with a per incident limit of $1000. Chemotherapy/radiation maximum of $1200.
Deductible We do not impose a deductible, but pet owners can lower premiums by increasing the deductible in $5 increments. $50 per incident
Amount Paid 90% of actual veterinary bill for costs arising from injury or illness, less the veterinary exam fee. 90% of the lesser of actual veterinary charges or VPI’s “Benefit Schedule” after the per incident deductible is met.
Monthly Cost Example
Plan Name


Quote by various states for Labrador Retriever dog and Domestic Short Hair cat both under 1 year old.
Trupanion Plan with $500 deductible
*Policy includes coverage for congenital and hereditary disorders

Dog -- $24.08
Cat -- $14.83
Superior Plan with $50 deductible


Dog -- $22.50
Cat -- $16.00
Will you be penalized for your pet aging? No, pet owners will never see premiums increase due to pet aging. Yes, monthly premiums increase at each of the 14 age brackets.
Example* dog:
  • Age 1 -- $22.50
  • Age 3 -- $24.79
  • Age 6 -- $27.90
  • Age 10 -- $42.75
  • Age 14 -- $49.05
*Does not account for increase in premiums due to inflation.
Will you be penalized for filing claims? No. No.
What will cause premiums to increase?
  1. Inflationary cost of veterinary medicine in your area
  1. Inflationary cost of veterinary medicine
  2. Pet aging
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